If you had the chance to live your 20s again, what would you do differently?

I'm a 25-year-old, and it feels like life is speeding up, and I keep hearing it only gets faster with age. Every day is the same for me: wake up, work 10 hours, come home, eat, watch a movie with my girlfriend, and repeat. On my days off, I barely do anything, and despite all this, I’m still living paycheck to paycheck with no savings, bad credit, and no vacations. I love machine embroidery and think about it a lot, but I struggle with motivation and feel really lazy. I just need to figure out what I can do differently to start enjoying my life more.